Accident without insurance

MEM62

slinga wrote: »

Worrabout the post immediately above yours?

My statement is correct. This is not a standard or automatic inclusion on most policies and would be a paid for add on that most would not opt for. The only policies that I am aware of that cover all drivers in all scenarios are business or fleet type policies but even these can have restrictions.

Jackmydad

So the moral of the story is to never drive a vehicle without first being 100% sure that you are insured, and that if there is an accident while you are driving you are covered for repairs / replacement.

Unless you have a policy like Mercdrivers above, which let's admit it most of us don't.

I don't drive other people's vehicles. I've seen and heard of too many times it gets messy when things go wrong.

Arklight

This sounds like something that would cost more to sort out in court than you'd ever get back in a claim.

How much are the repairs, OP?

Incidentally, every fully comp policy I have ever had has allowed me to drive someone else's car with permission for 3rd party cover only. My understanding has always been that if I borrow a friend's car and total it then I am on the hook for the entire replacement cost, unless their insurance does me a favour and pays out - still leaving me with my friend's excess and increased premiums to pay for.

Which is why I don't drive other people's cars.

Mercdriver

The trouble is the urban myth that fully comp policies include DOV is infectious and I would wager a large percentage of the public would go along with this view.

Navigator123

Jsuk, have you told your insurance company that you now have 6 points for uninsured driving?

If not then you run the risk of your current policy being nullified!

Your renewal cost for your insurance is going to be expensive - expect a loading of around 230% over your last premium.